Columbus, OH · Charter 60962
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Columbus, OH · Charter 60962
Q3 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | -0.51% | 0.66% | 0.61% | 0.44% | -4.17% | -6.72% | -5.96% | -657 bps | |
| Return on Equity | 2.05% | -8.52% | 10.40% | 9.46% | 7.04% | -81.49% | -215% | -214% | -22,344 bps | |
| Net Interest Margin | 2.89% | 2.73% | 3.59% | 3.68% | 3.59% | 3.06% | 3.55% | 3.88% | +20 bps | |
| Efficiency Ratio | 86.33% | 84.85% | 73.33% | 72.30% | 69.29% | 78.10% | 80.98% | 92.56% | +2,027 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.30% | 41.70% | 33.49% | 18.67% | 9.27% | 3.52% | -0.78% | -10.98% | -2,965 bps | |
| Loan Growth (YoY) | 28.59% | 24.57% | 22.77% | 13.61% | 8.45% | -1.36% | -10.96% | -22.53% | -3,614 bps | |
| Share Growth (YoY) | 37.15% | 45.98% | 37.15% | 22.78% | 8.87% | 4.42% | 2.87% | -7.14% | -2,992 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.10% | 4.92% | 4.64% | 4.78% | 3.44% | 4.94% | 4.72% | 2.21% | -257 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 1.59% | 1.43% | 1.53% | 1.46% | 3.02% | 5.61% | 4.98% | +344 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.99% | 5.92% | 6.31% | 6.47% | 6.28% | 5.11% | 3.12% | 2.79% | -368 bps | |
| Net Worth / Assets | 6.99% | 5.92% | 6.31% | 6.47% | 6.28% | 5.11% | 3.12% | 2.79% | -368 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.35% | 75.43% | 77.98% | 79.00% | 78.04% | 71.26% | 67.49% | 65.91% | -1,309 bps | |
| Liquid Assets / Assets | 113.43% | 10.72% | 6.50% | 7.38% | 6.32% | 16.09% | 24.54% | 24.35% | +1,697 bps | |